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First-Time Homebuyers Incentive Program

Up to $0 toward a down payment in MD.

See if I qualify
Location
MD
Type
Forgivable assistance
Max assistance
$0
Income limit
$129,050
First-time buyer
Required
Property types
Single family, Townhouse, Condo, 2–4 unit (owner-occupied)

Foundational Baltimore City DPA incentive: $10,000 forgivable second for first-time buyers, 5-year 20%/year forgiveness, 80% AMI cap, Baltimore City only. Pairs with MMP and FHA/VA/USDA/conventional first mortgages.

Learn this program

Short reads on how it works, in plain language. Free, no sign-up needed to read.

Free course from Hey Prescott

First-Time Homebuyers Incentive Program, explained

A short, free course on First-Time Homebuyers Incentive Program: what it is, who it is for, how it is forgiven, where it applies and how to apply. Based on program data from July 2026. About ten minutes.

5 modules · About 10 minutes

Read the course

Program details are sourced from public agency data and may change. Confirm eligibility with a Hey Prescott loan officer before applying.